Is Tata AIG's agency-driven Auto Secure the best option for you?
Here is a look at Tata AIG's Private Car Policy (with Addon Covers).
AUTO SECURE – PRIVATE CAR PACKAGE POLICY (UIN:IRDAN108RP0002V01200001)
NORMAL/ COMPREHENSIVE OWN DAMAGE COVER:
Covers Loss or damage to the vehicle Insured due to:
Accidents of external means
Burglary, theft/ Riot, strike
Fire, explosion self-ignition or lightning
Earthquake (Fire and Shock Damage)
Natural calamities like, flood, typhoon, hurricane, storm, tempest, inundation, cyclone,
hailstorm, frost
Terrorist Activity/Malicious Act
Landslide/Rockslide
NIL DEPRECIATION/ ZERO DEPRECIATION/ DEPRECIATION REIMBURSEMENT: (UIN - IRDAN108RP0002V01200001/A0001V01200910)
Depreciation on Parts is not Deducted at the time of claims. (ie. you get new for old.)
You can use this add on for only the first 2 claims in a policy period.
Consumable Expenses: (UIN - IRDAN108RP0002V01200001/A0085V01201819)
Cover the cost of consumables required to be replaced/replenished arising from an accident to the insured car.
Eg. Engine oil, gearbox oil, lubricants, nut & bolt, screw, distilled water, grease, oil filter, bearing, washers, clip, brake oil, air conditioner gas and items of similar nature excluding fuel.
ENGINE SECURE/ ENGINE PROTECTOR: (UIN - IRDAN108RP0002V01200001/A0058V01201819)
Covers for repair and replacement expenses of internal parts of the engine, gearbox, transmission and differential assembly.
Eg. It covers Consequential Loss arising after the car has been submerged in water & continuous effort to start the car results in damage to the Internal Engine Parts.
Eg. It covers Consequential Loss arising after the car has been hit underneath resulting in Oil Leak & Further movement of the car results in damage to Internal Engine Parts.
TYRE SECURE: (UIN - IRDAN108RP0002V01200001/A0059V01201819)
Repair & replacement expenses arising out of accidental loss or damage to tyres & tubes.
Eg. Puncture/ Tyre Burst.
Unused tread depth of >- 3 to <5 mm - 50% of the cost of the new tyre and/or tube.
Unused tread depth of >=5 to < 7 mm - 75% of the cost of the new tyre and/or tube.
Unused tread depth of > = 7 mm - 100% of the cost of the new tyre and/or tube.
ROAD-SIDE ASSISTANCE: (UIN - IRDAN108RP0002V01200001/A0022V01201213)
Europ Assistance is the tie-up partner.
Flat tyre assistance, towing services, Battery Jumpstart service, spare key retrieval, fuel support etc. are some of the services provided under this.
Tollfree: 1800 266 7780.
Emergency Transport & Hotel Expenses: (UIN - IRDAN108RP0002V01200001/A0055V01201819)
In case of a breakdown or accident, the emergency taxi fare and accommodation are covered.
KEY REPLACEMENT: (UID - IRDAN108RP0002V01200001/A0056V01201819)
Cover the cost of key replacement in case they are lost/stolen or if your car has been broken into. This will include the labour cost for replacing the locks.
Loss of Personal Belongings: (UIN - IRDAN108RP0002V01200001/A0054V01201819)
Loss or damage to personal belongings such as clothes and other items that are more likely to be worn, used or carried and includes audio/Videotapes, CDs present in the car.
Excludes money, jewellery, bank-related items like debit cards, cheques etc.
Return to Invoice: (UIN - IRDAN108RP0002V01200001/A0052V01201819)
In the case of the below, the difference between the amount you receive and the invoice value of the car.
Total Loss.
Constructive Total Loss.
Theft.
Liability to Third Parties
Loss caused to any third party, be it individual (as per Motor Vehicle Act, 1988) or property (Rs. 7,50,000).
Personal Accident Cover for Owner-Driver
In case of bodily injury to the insured in the process of getting on or off from the insured car or while riding as a co-driver or whilst driving etc.
Death
Loss of limbs or eyesight
Permanent disablement
IMT16. PERSONAL ACCIDENT TO UNNAMED PASSENGERS OTHER THAN INSURED AND THE PAID DRIVER AND CLEANER.
Death - 100%
Loss of two limbs or sight of two eyes or one limb and sight of one eye - 100%
Loss of one limb or sight of one eye - 50%
Permanent Total Disablement from injuries other than named above - 100%
LEGAL LIABILITY TO PAID DRIVER AND/OR CONDUCTOR AND/OR CLEANER EMPLOYED IN CONNECTION WITH THE OPERATION OF INSURED VEHICLE
Insured’s legal liability under the Workmen’s Compensation Act, 1923, The Fatal Accidents Act, 1855 or at Common Law.
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